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Investors, funds & digital assets

Gains are made in minutes and reported for years.

Shares, funds and digital assets each have their own reporting rules, and the records you need are far easier to keep as you go than to reconstruct at the end. We handle the reporting and tell you what to keep.

Through the yearDisposals, dividends and interest recorded as they happen
5 AprilThe tax year closes and the year’s position is fixed
Spring onwardStatements gathered, pooling and matching worked through
31 JanuaryReturn filed and any balancing payment due
01 · Is this you

You invest across several places, and no one statement shows the whole picture

Platforms report to you in their own formats and on their own calendars. None of them is a tax computation, and none of them knows about the other holdings.

You hold shares outside an ISA or pensionDirectly, or through more than one platform or broker
You invest in fundsIncluding offshore funds, where reporting status affects the treatment
You hold or trade digital assetsAcross exchanges and wallets, sometimes over several years
You have sold something and are unsure whether to report itOr whether a loss is worth claiming
Some of it is held outside the UKOverseas brokers, foreign dividends, or tax withheld at source
Your records are spread across exports and emailsWhich is normal, and the main thing we take off your hands

Property in the portfolio?

Property has its own rules and shorter reporting deadlines. That work sits with UK Property Accountants, our specialist group firm.

02 · By asset type

Different assets, different rules, one return

The outline below is the general shape of each. Rates, allowances and thresholds change with each Finance Act, so the figures that apply to your year are confirmed when we prepare the return rather than assumed here.

SharesPooling and matching rules apply

Where you have bought the same holding at different times, the cost of what you sold is worked out under set rules rather than by picking a purchase. Buying back soon after selling is treated specially.

FundsReporting status changes the treatment

Offshore funds with and without reporting status are treated differently, and income can arise without any distribution being paid to you.

Digital assetsDisposals include more than selling for cash

Exchanging one token for another, or using tokens to pay for something, can each be a disposal. Staking and similar rewards have their own treatment.

Dividends and interestTaxed as income, not as gains

Reported separately from disposals, with foreign dividends and any tax withheld abroad needing their own treatment.

LossesWorth claiming, but they have to be claimed

Losses are not automatically applied. Claiming them in time preserves the ability to set them against future gains.

04 · Questions we get asked

The ones that come up every year

I only made small gains. Do I still need to report?

It depends on the size of the gains and proceeds against the allowances and reporting thresholds for that year, and on whether you already file a return. Those figures move, so we check them against the year in question rather than working from memory.

My exchange has closed or I have lost access to old records.

Common, and workable. We reconstruct what we can from the evidence that does exist and take a reasonable, documented position on the rest, with the basis recorded in case it is ever queried.

Is swapping one token for another really a disposal?

Generally yes. Disposing of one asset to acquire another is a disposal of the first, even though no cash was involved. This surprises people most often, and it is where the largest unreported positions tend to sit.

Do I need to report anything held in an ISA or pension?

Generally not, which is precisely why keeping the wrapper and non-wrapper holdings clearly separated makes everything else easier.

I have not reported gains from earlier years. What now?

There are established routes for correcting earlier years, and coming forward voluntarily is treated differently from being found. It is worth dealing with rather than leaving, and we can talk it through without commitment.

05 · Fees

You will know the number before we start

£450from

Engagements start at £450, priced by the engagement and fixed before we begin. All figures exclude VAT.

How our pricing works →
RegulatedACCA / CIOT
Clients (group)4,000+
Reach (group)60+ countries
FeesFixed, up front
BillingNever hourly
Next step

Send us the exports.

A short set of questions about what you hold, where it is held, and what you have sold. We come back with a scope and a fixed price. If we are not the right firm for you, we will say so rather than quote for it.

Start scoping →